Kotak White Credit Card

Kotak Mahindra Bank · Open to apply

A premium card that pays no points per rupee: it pays "White Pass" value in vouchers when annual spend crosses ₹2, 4, 6, 9 and 12 lakh (up to ₹27,000 a year), with eight domestic lounge visits and Priority Pass international visits that need ₹1 lakh of quarterly spend. For primary cardholders aged 28 to 60 with income of ₹25 lakh or more.

Annual fee
₹3,000 + GST a year
Joining fee
₹3,000 + GST
Fee waiver
Annual fee waived on ₹5,00,000 spend per card year
Base rate
No points per rupee; White Pass is paid on annual spend milestones: 0 White Pass per ₹100 (about 0% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹1,00,000 spend; International: 4 visits a calendar year after ₹1,00,000 spend
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Earns nothing on

  • No points per rupee; White Pass is paid on annual spend milestones

Where the sources disagree

  • fuel surcharge waiver period: The page says the ₹3,500 cap is per calendar year; the MITC says anniversary year. We use the MITC.

Terms the calculator does not value

  • Transportation spends no longer count toward White Pass milestones from 1 Apr 2026; Kotak's list of the MCCs is not published, so only the June 2025 MCC list's exclusions (section 2: utility, wallet load, rent, fuel 5541/5542, education, skill gaming, insurance, government, tolls, B2B) plus education, EMI and cash advances are excluded in the milestones here. Passenger railways (4111, 4112) are on that list but share the category travel-other with cabs, buses and travel agents, so they are not excluded.
  • Domestic lounge visits cost the lounge's rate once the free ones are used; international guest visits cost USD 35.

Sources

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